Phoenix, AZ asked in Banking and Collections for Arizona

Q: I just found out my bank is going through a process server. Unknown to me the bank had been using a debt collection

agency but they told me they were from my bank. When I called my bank about them and gave my bank the number they called from, my bank informed me that the numbers were fraud and not to deal with them. At the time my bank was having an issue with fraudulent calls posing as the bank trying to get people to increase there credit card limit then they running it up. They never let me know that they had something out on me regarding debt collection. They told me the last time the bank tried to get ahold of me was back in June 2018. What rights do I have?

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1 Lawyer Answer
Bruce Alexander Minnick
Bruce Alexander Minnick
  • Business Law Lawyer
  • Tallahassee, FL

A: Whether you know it or not, you are avoiding the most important issue here by confusing it with a completely different unrelated issue that probably does not concern you.

First advice: If you owe any money to the bank and have not paid it back, the bank most likely sold the debt to a third party collection company. And it is not al all unusual for collection companies to lie to debtors and say they represent a bank, if they think it will get the debtor to pay up. In any event, your problems will not stop unless you repay the debt.

Second advice: If you do NOT owe any money to the bank stop worrying about it.

Third advice: If you owe money that you never paid to any creditor on earth, get used to attempts to collect the debt; but probably not from the original creditors because they all are selling uncollected debt to collection companies.

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